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Well, technically, you don't need insurance to drive a car. However, it is very important, and highly recommended. If you're vehicle happens to be stolen, or destroyed in any way, you have to pay for the issue out-of-pocket. That would really hurt bad financially, so without paying insurance, you're at a large risk.
Answer: Rational choice theory is based on the fundamental tenets of classical criminology, which hold that people freely choose their behaviour and are motivated by the avoidance of pain and the pursuit of pleasure. Individuals evaluate their choice of actions in accordance with each option's ability to produce advantage, pleasure and happiness. Rational choice provides a micro perspective on why individual offenders decide to commit specific crimes; people choose to engage in crime because it can be rewarding, easy, satisfying and fun. The central premise of this theory is that people are rational beings whose behaviour can be controlled or modified by a fear of punishment. In this way, it is believed offenders can be persuaded to desist from offending by intensifying their fear of punishment. In terms of setting the quantum of punishment, according to this theory, sanctions should be limited to what is necessary to deter people from choosing crime (Siegel and McCormick, 2006).
Rational choice is premised on a utilitarian belief that actions are based on a conscious evaluation of the utility of acting in a certain way. This perspective assumes that crime is a personal choice, the result of individual decision-making processes. This means that individuals are responsible for their choices and thus individual offenders are subject to blame for their criminality. In terms of offending, rational choice posits that offenders weigh the potential benefits and consequences associated with committing an offence and then make a rational choice on the basis of this evaluation. Therefore, before committing a crime, the reasoning criminal weighs the chances of getting caught, the severity of the expected penalty and the value to be gained by committing the act. This means that if offenders perceive the costs to be too high, the act to be too risky, or the payoff to be too small, they will choose to not engage in the act.
The tenets of this theory are based on a number of assumptions about the decision-making process and behavioural motivations. It is held that people decide to commit crime after careful consideration of the costs and benefits of behaving in a certain manner. This involves considering both personal factors, which may include a need for money, revenge, or entertainment, and situational factors such as the target/victim’s vulnerability and the presence of witnesses, guardians, or the police. Rational choice focuses on the opportunity to commit crime and on how criminal choices are structured by the social environment and situational variables.
